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LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

DISCLOSURE: Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member FINRA/SIPC. Advisory services offered through Concourse Financial Group Advisors, a DBA for CFGS, a Registered Investment Advisor. Member, FINRA and SIPC. LD&B Insurance and Financial Services is independent of CFGS.

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Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

Don’t Leave the Leaves!

Posted: September 20, 2022

There’s nothing quite like the view of colorful leaves in autumn. But what do you do when they’ve all fallen and you’re left with a mess in your yard? Winter is quickly approaching, so it’s important to dispose of the leaves before the snow comes. But how can you do so safely (and legally)? Here’s what to know.CAN I BURN THE LEAVES? While many local...

Home Maintenance Checklist: Step by Step Guide to Prepare Your Home for the Fall

Posted: September 16, 2022

Your home is likely one of your most valuable assets and keeping it in good condition matters. Before the rainy, colder fall weather rolls in, taking certain steps to prepare your home can protect your home from sustaining damage during the fall and winter months. Clear out Gutters Spend a few hours clearing any debris out of home gutters and downspouts. Check the brackets holding...

Business Landscaping Tips

Posted: September 16, 2022

If you own a commercial property, then landscaping is a part of doing business – whether you like it or not.To help take one more thing off your plate (and help boost your curb appeal in the process), consider hiring a commercial landscape contractor. But how do you choose the right contractor? And what services do you really need?To help find the best lawn-care solution...

Everything You've Ever Wondered About Roundabouts

Posted: September 14, 2022

There was once a time when roundabouts were all but absent from American roadways. But over the past decade or so, these circular intersections have seemed to pop up everywhere, from small rural towns to bustling urban centers.This has left many drivers wondering: why are there so many new roundabouts, and why are they replacing tried-and-true stoplights?To help answer these questions—and more—here’s everything you’ve ever...